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Assuming you are under the age of 59-1/2, if you withdraw money from your IRA account or 401k account, you are automtically going to pay a 10% early withdrawal penalty. In addition, you would then owe both federal and state income taxes on the money you withdraw. And then the other consideration is the fact that you no longer have this money in your retirement account which can continue to earn interest on a tax free basis until withdrawn, so while it may help you now, down the road in your retirement years you will likely wish that you had left that money in the account.
You are always better off to pay whatever bills you may have in any other manner possible rather than using retirement funds if you can possibly avoid it. You might consider trying to obtain a consolidation loan from a bank so that you could pay off all of your credit card debts and then just make one monthly payment to the bank to pay off your loan, and that interest rate should be considerably lower than what you are paying on your credit cards.
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